Auto Insurance in Kentucky (KY)

Factors Affecting Auto Insurance Rates in Kentucky

As in many other states, Kentucky teenagers receive graduated levels of driver’s licenses when they first start driving, but some people think the rules for graduated licensing should b stricter. One study in 2003 found that Kentucky ranked ninth as the deadliest state for youth-related car accident fatalities; there were 90 accidents resulting in fatalities for every 100,000 Kentucky drivers aged 16 to 20, compared to a national average of 68. Kentucky also does not have a law that enables police officers to stop motorists for not wearing their seatbelts. These factors contribute to how much you pay for car insurance in Kentucky.

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Auto Insurance Requirements in Kentucky (KY)

Kentucky drivers are required to carry liability coverage as either a “split limit” or a “single limit” policy. Drivers who choose a split limit must have the following amounts of car insurance:

• 25,000 per person of bodily injury coverage
• $50,000 per accident
• $10,000 required minimum of property damage coverage
• $60,000 of single limit coverage per accident for all damages

These amounts are legal minimums. Your insurer will probably recommend significantly higher amounts of coverage as well as optional types of coverage to protect your family’s assets in the event of a serious accident or a lawsuit.

Auto Insurance Discounts in Kentucky (KY)

As a driver in Kentucky, you are eligible to receive a discount on certain types of auto insurance for the following:

• Owning a car equipped with an antitheft device
• Maintaining a clean driving record
• Being a mature driver,
• Students maintaining good grade averages

Each company offers diffferent discounts. Make sure to speak to your auto insurance agent about all the discounts that apply to you.

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Auto Insurance Providers in Kentucky (KY)

The following companies offer auto coverage in Kentucky:

• AAA
• AIG
• Allstate
• American Family Insurance
• Amica
• Chubb
• Comparison Market
• Electric Insurance
• Farmers
• The Hartford
• Hanover
• Insurance.com
• GMAC Insurance Online
• Horace Mann
• MetLife Auto
• Prudential
• Safeco
• State Farm
• Travelers Insurance

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Get More Information on Auto Insurance in Kentucky (KY)

The Kentucky Department of Motor Vehicle Licensing is located at:

200 Mero Street
Frankfort, KY 40622
transportation.ky.gov/mvl/

*Auto Insurance Options is a free information resource that provides content on auto insurance products and policies for informational purposes only, but is not an agency or insurer. Products and policies may not be available in all states.